| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNIE INSURANCE, LLC3 | 700 CANAL ST SUITE 1 STAMFORD, CT 06902 | CAREFIRST OF MARYLAND, INC. | $332 | $39K | $39K | 5.76% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | CAREFIRST OF MARYLAND, INC. | $73 | $13K | $13K | 1.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 11.42% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIR ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.15% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF PA | $5K | — | $5K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 105 | $680K |
| Dental | DELTA DENTAL OF PA | 108 | $45K |
| Vision | CAREFIRST OF MARYLAND, INC. | 105 | $680K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 117 | $66K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 117 | $66K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 117 | $66K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 117 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.